Wealth Infrastructure Audit™ · HLP Capital Advisory

◉ ROOT

The person.

Every infrastructure serves a person. Before we map your assets, let's anchor the audit to you — your role, your household, your horizon.

Which best describes your role?

AW-2 executive / senior professional BFounder / business owner CInvestor / capital allocator DInheritor / beneficiary of family wealth EHigh-income professional (physician, attorney) FRetired / decumulation phase

Household composition

ASingle BMarried, no dependents CMarried, dependent children DBlended family EMulti-generational FEmpty-nest / adult children

Planning horizon that matters most

A1–5 years (accumulation) B5–15 years (transition) C15–30 years (legacy build) D30+ years (multi-generational)

├── ASSETS · 01

Cash positions.

Physical cash reserves, money-market funds, T-bills, and short-duration equivalents. Not brokerage-held equities.

Total cash + equivalents across all institutions

$0

Slide right — 0 to $500K+ (max slider). Enter exact amount below if higher.

Where does the cash live?

├── ASSETS · 02

Bank relationships.

Who holds the operating money? Bank concentration and beneficiary alignment are two of the most-overlooked coordination gaps we find.

How many banking relationships?

1One primary bank 22 – 3 banks 34 – 6 banks 47 or more banks

List your bank relationships

Are beneficiaries current on ALL bank accounts?

✓Yes — all reviewed in past 12 months ◐Mostly — some are old ?Honestly not sure ✗No beneficiaries set

├── ASSETS · 03

Brokerage accounts.

Taxable investment accounts — where after-tax capital lives.

Approximate total taxable brokerage balance

Custodians (where the accounts are held)

├── ASSETS · 04

Retirement accounts.

401(k), IRA, Roth, SEP, Solo-401(k), 403(b), 457, HSA. Tax-advantaged retirement infrastructure.

Which retirement structures do you have? (multi-select)

401(k) — current employer Old 401(k) — prior employers Traditional IRA Roth IRA SEP-IRA Solo 401(k) HSA (Health Savings) Pension / DB plan

Total retirement-account balance

├── ASSETS · 05

Real-estate holdings.

Primary, secondary, rental, and commercial. Real estate is where most coordination gaps live — titling, insurance, LLC wrapping, and mortgage-to-tax mismatch.

Total property count

0I rent — no properties 1Primary residence only 22 – 3 properties 34 – 10 properties 410+ property portfolio

Are rental properties held in LLCs (not personal name)?

N/ANo rentals ✓All in LLCs ◐Some in LLCs ✗All in personal name

Portfolio notes · addresses, LTV, cash-flow

├── ASSETS · 06

Business equity.

Operating companies you own — full, majority, or minority. Founders and operators typically have their biggest coordination gaps here.

Business ownership

0No business ownership AMinority stakes only (<50%) BMajority owner, one business CPortfolio of ownership positions

Business detail · sector, revenue band, ownership %

Do you have a buy-sell agreement / operating agreement in place?

N/ANo business ✓Yes — reviewed in past 3 years ◐Yes but old / stale ✗No buy-sell in place

├── ASSETS · 07

Private investments.

Alt investments: private equity, venture capital, hedge funds, private credit, angel investments, syndications.

Private-market exposure

0None ALight — a few small positions BModerate — several LP commitments CHeavy — significant alt allocation

Private-investment notes (types, sponsors, commitments)

├── ASSETS · 08

Insurance coverage.

Life, disability, umbrella, LTC. Under-insurance is one of the most common infrastructure gaps we find in high-income households.

Which coverage do you carry? (multi-select)

Term life Permanent life (whole/UL/IUL) Disability (own-occ) Umbrella liability Long-term care Key-person / business

Has coverage been reviewed in the past 24 months?

✓Yes — recently reviewed ✗No — overdue ?Never formally reviewed

├── ASSETS · 09

Debt facilities.

Mortgages, lines of credit, business loans, personal guarantees. Debt is an asset when it's engineered — a liability when it's inherited by accident.

Total debt facilities outstanding

Any personal guarantees on business debt?

0No personal guarantees AUnder $500K exposed BSignificant PG exposure

├── ENTITIES

LLCs · Corps · Partnerships.

The legal wrappers that hold assets, income, and liability. Missing or stale entity architecture is the single biggest source of value leakage we find.

Which entities do you or your family control? (multi-select)

Entity map · list what you control

├── ENTITIES · TRUSTS

Trust architecture.

Revocable, irrevocable, dynasty, IDGT, ILIT, SLAT. Trust infrastructure is where multi-generational wealth is preserved — or accidentally lost.

Which trusts do you have? (multi-select)

Revocable living trust Irrevocable life insurance trust (ILIT) Intentionally-defective grantor trust (IDGT) Spousal lifetime access trust (SLAT) Dynasty trust Charitable remainder / CLAT Trust for minor children No trusts yet

Are the trusts actually funded (not just drafted)?

N/ANo trusts ✓All properly funded ◐Partially funded ✗Drafted but unfunded ?Honestly not sure

├── DOCUMENTS · 01

Beneficiary designations.

Beneficiary designations override your will. Every retirement account, insurance policy, and bank account has one — most are outdated. This is the #1 easiest gap to fix and the #1 most-common we find.

When were beneficiaries last reviewed across ALL accounts?

✓Within 12 months ◐1 – 3 years ago ✗3 – 10 years ago !10+ years or never

Any life events since last review? (multi-select)

├── DOCUMENTS · 02

Estate documents.

Will, healthcare directive, financial POA, HIPAA authorization. Every adult household needs these — most don't have them.

Which documents are current? (multi-select)

Last will & testament Healthcare directive HIPAA authorization Financial power of attorney Medical power of attorney Pour-over will (if trust exists) None current

Last time documents were reviewed by an attorney?

✓Within 2 years ◐2 – 5 years ago ✗5+ years or never

├── TEAM

Your bench.

CPA, attorney, banker, investment advisor, insurance professional. Coordination gaps between them are where the biggest value leaks live.

Which professionals are on your team? (multi-select)

CPA / tax advisor Estate / transactional attorney Dedicated banker / relationship manager Investment advisor / financial planner Insurance professional Bookkeeper / controller Business attorney Investment banker (for exits)

Do your professionals communicate directly with each other?

✓Yes — regular coordination ◐Sometimes / when I ask ✗Never — they work in silos ?Honestly don't know

└── FAMILY · HEIRS

The people this all serves.

Every infrastructure exists to serve people. Have the people it will serve been prepared?

Have your intended heirs been informed about the plan?

✓Yes — full family conversations ◐Partially — some know ✗Minimal — vague awareness !Not at all — they'd be surprised

Is there a family document library (organized location for all records)?

✓Yes — organized & accessible ◐Partial — some organization ✗No — scattered across places

◉ OPEN CONTEXT

Anything else coordinated matters here?

Free-form space. Life events pending, complexity we didn't ask about, coordination frustrations you've been sitting with.

◉ REPORT DELIVERY

Where do we send your audit?

Chekelah's Capital Advisory team reviews every submission personally within 48 hours. Your full Wealth Infrastructure Audit™ arrives as a signed PDF plus a debrief-call offer.

Your identity

I understand this is a diagnostic tool, not investment or legal advice. HLP will deliver a coordination-gap report which I may share with my existing licensed professionals. Privacy Policy.

◉ CALCULATING GAPS

—/12

SCORING

We're mapping your infrastructure against the 12 coordination touchpoints most likely to create leverage — or leak value.

DELIVERABLE

Full Wealth Infrastructure Audit™ arrives in 48 hours

Chekelah's Capital Advisory team reviews every submission personally. Your full audit includes: infrastructure map · gap register · priority-ranked action list · questions to ask each of your existing professionals · shareable PDF format for your CPA and attorney.

Email capital@hlpcredit.com Also take the PBR™ →